Certificates of Deposit(CD) Rates
Interest rates are guaranteed for the full term of your deposit. Convenient terms covering time periods from 90 days to five years are available to fit your specific needs or goals. Minimum balance is only $500 and interest on term deposits compounds monthly.
Effective Date: Tuesday, December 20, 2024
| Term | Interest Rate* | APY** |
|---|---|---|
| 3 month | 0.10% | 0.10% |
| 4 month SPECIAL | 3.93% | 4.00% |
| 6 month | 3.93% | 4.00% |
| 9 month | 3.93% | 4.00% |
| 12 month | 3.69% | 3.75% |
| 15 month | 3.69% | 3.75% |
| 18 month | 3.69% | 3.75% |
| 24 month | 3.69% | 3.75% |
| 30 month | 3.45% | 3.50% |
| 36 month | 3.45% | 3.50% |
| 60 month | 3.45% | 3.50% |
| *Rates subject to change without notice. **APY denotes Annual Percentage Yield Minimum balance required to open account is $500.00. Minimum daily average balance to earn the Annual Percentage Yield is $500.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings. Please see Terms & Conditions for full account details. |
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Checking, Savings & Money Market Rates
Start earning interest with a deposit as little as $10 or save more with a tiered interest rate solution that grows with you for accounts over $1,000.
Effective Date: Tuesday, December 20, 2024
| Product | Minimum Balance to Earn Interest | Interest Rate* | APY** |
|---|---|---|---|
| NOW Checking(1) | $10 | 0.05% | 0.05% |
| GOLD Account(1) | $0.00-$9.99 | 0.00% | NA |
| $10.00-$9,999.99 | 0.05% | 0.00%-0.05% | |
| $10,000-$50,000 | 0.25% | 0.00%-0.21% | |
| $50,000+ | 0.15% | 0.18%(Assumes $100,000 balance) | |
| Money Market(2) | $0.00-$9,999.99 | 0.05% | 0.05% |
| $10,000-$49,999.99 | 0.20% | 0.20% | |
| $50,000-$99,999.99 | 0.90% | 0.90% | |
| $100,000-$249,999.99 | 0.90% | 0.90% | |
| $250,000-$499,999.99 | 1.00% | 1.01% | |
| $500,000-$999,999.99 | 1.25% | 1.26% | |
| $1,000,000-$7,000,000 | 2.72% | 2.75% | |
| Savings(3) | $10 | 0.05% | 0.05% |
| Christmas/Name Your Own Club | 0.25% | 0.25% | |
| *Rates subject to change without notice. Fees could reduce earnings on accounts. | |||
| **APY denotes Annual Percentage Yield, Account rates are variable and may change after opening. Speak with a Customer Service Representative for full details. | |||
| 1Minimum balance required to open account is $50.00. Minimum daily average balance to earn the Annual Percentage Yield is $10.00. Interest compounded monthly. | |||
| 2Minimum balance required to open account is $1,000.00. Minimum daily average balance to earn the Annual Percentage Yield is $0.00. Interest compounded monthly. | |||
| 3Minimum balance required to open account is $10.00. Minimum daily average balance to earn the Annual Percentage Yield is $10.00. Interest compounded monthly. | |||
| Please see Terms & Conditions for full account details. | |||
Individual Retirement Account (IRA) Rates
| Term | Interest Rate* | APY** |
|---|---|---|
| 12 month variable | 3.78% | 3.85% |
| 18 month variable | 3.78% | 3.85% |
| 24 month variable | 3.78% | 3.85% |
| 36 month variable | 3.54% | 3.60% |
| 60 month variable | 3.54% | 3.60% |
| 12 month fixed | 3.78% | 3.85% |
| 18 month fixed | 3.78% | 3.85% |
| 24 month fixed | 3.78% | 3.85% |
| 36 month fixed | 3.54% | 3.60% |
| 60 month fixed | 3.54% | 3.60% |
| *Rates subject to change without notice. | ||
| **APY denotes Annual Percentage Yield. | ||
| Minimum balance required to open account is $25.00. Minimum daily average balance to earn the Annual Percentage Yield is $10.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings. | ||
| Please see Terms & Conditions for full account details. | ||